Bank · FDIC insured
Bay State Bank Auto Loan Rates
Bay State Bank auto loans start at 7.08% APR for a new vehicle and 7.84% for a used one. Rates checked October 15, 2026.
How Bay State Bank’s auto loan rates compare
Compared with banks and credit unions near Worcester, MA, where Bay State Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Bay State Bank
7.08%APR
- Terms
- 12–60 months
- Discount
- None included
New Cars, Trucks and Vans (2025-2026)
Lowest rate
Hanscom Federal Credit Union
3.99%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Leominster Employees Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Bay State Bank auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.08%
- Used vehicleUsed7.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Bay State Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycles
Eligibility limited to 2021-2026 year models. Maximum loan to value ratio is 80% of purchase price or book value, whichever is lower, including sales tax and filing fees. Subject to credit approval. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 15.22% | Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval. |
Sources (1)
- baystatebank.com/rates · captured Oct 5, 2026
New Cars, Trucks and Vans (2025-2026)
Subject to credit approval. Qualified applicants financing new 2025 – 2026 model year automobiles may borrow up to 100% of the purchase price or book value, whichever is lower, for up to 72 months. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 7.08% | Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval. |
| 61–72 months | 7.79% | Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval. |
Sources (2)
All captured Oct 5, 2026
Used Cars, Trucks and Vans (2019-2024 Used Models)
Subject to credit approval. Applicants financing a model year 2019 – 2024 are limited to 90% of purchase price or NADA book value; whichever is lower. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 7.84% | Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval. |
| 61–72 months | 8.30% | Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval. |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.